Perks can take up to 3 days to show as processing.
Purchases made before the 20th of the month will be paid on the last business day of the month.
Purchases after the 20th of the month will be paid the following month.
You must view perks to activate them.
If any owner of a joint account receives a perk and activates it, any owner can redeem the perk. But it can only be redeemed once by one person.